Credit Cards

The Three Fantastic No Annual Fee Credit Cards I Have

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I have a lot of credit cards. A lot of them have annual fees, which I consider to be worthwhile given the perks they offer in return. However, there’s also a lot of value in holding onto some no annual fee cards long term. One big aspect of your credit score is your average age of accounts, and you can build that by holding onto some cards long term. Obviously it’s ideal to largely do that using cards that has no annual fee, since you can hold onto them for free.

At the moment I have three no annual fee credit cards, and they’re not just great to hold onto because they have no annual fee, but also because they offer incredible points earning potential.

Specifically, I have the following three no annual fee cards:

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Everything You Need To Know About Sheraton Lounge Access With The SPG Business Amex

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At the moment we’re seeing very nice increased sign-up bonuses on both the Starwood Preferred Guest® Credit Card from American Express and Starwood Preferred Guest® Business Credit Card from American Express. They’re offering sign-up bonuses of up to 35,000 Starpoints, which are the highest sign-up bonuses we’ve ever seen on these cards.

In my opinion both of these cards are worth acquiring for the sign-up bonuses and the return they offer on everyday spend. They also offer other ongoing perks, like free Boingo wifi, complimentary premium internet at Starwood properties, and two elite stay credits and five elite night credits towards status annually, which helps me requalify for Platinum status.

But there’s one benefit that really sets apart the business version of the card for anyone looking at applying. I know a lot of people are already familiar with this benefit, but even so, it’s a benefit I constantly get questions about.

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A Business Card Is Offering 10x Points On Hotels & Car Rentals

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Yesterday I wrote about how you can earn 10x points on hotels and car rentals booked through the Ultimate Rewards website with the Chase Freedom and Chase Freedom Unlimited. The promotion is valid for up to $2,500 worth of bookings through March 31, 2017, though the actual travel can occur at a later date.

Per Doctor of Credit, it looks like this offer is also valid on the Ink Business Cash℠ Credit Card, for up to $2,500 worth of spend. For rental cars, this offer is actually potentially even better than the one being offered by the Freedom or Freedom Unlimited. That’s because the Ink Business Cash offers primary collision damage waiver coverage for cars rented for business purposes, so it’s actually a card you’d want to use for a car rental.

While the Ink Business Cash is a cash back card, those points can be converted into Ultimate Rewards points in conjunction with a card accruing “premium” Ultimate Rewards points, which include the:

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Earn 10x Points On Hotels & Car Rentals This Month

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Two of my favorite no annual fee cards are the Chase Freedom® Card and Chase Freedom® Unlimited. These are both no annual fee cards that can help you boost the Ultimate Rewards points you earn, in conjunction with cards like the Chase Sapphire Preferred® Card and Ink Business Preferred℠ Credit Card.

The Chase Freedom already offers 5x points in rotating quarterly categories, which is a great way to super charge the Ultimate Rewards points you earn. For example, this quarter the card is offering 5x points on Uber rides, which I can maximize quite easily.

There’s an added promotion for both the Chase Freedom and Chase Freedom Unlimited this month.

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Will I Keep The Amex Platinum Card After The Upcoming Changes?

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Yesterday we learned about some major changes being made to the Amex Platinum Card as of March 30, 2017. The card will be seeing a $100 annual fee increase, from $450 to $550 per year. Of course there are some positive changes to offset that as well. Here’s how they’re described:

“Starting on March 30th, 2017, consumers with The Platinum Card will receive exclusive access in the Uber app to a new Uber Rides with Platinum benefit, which provides up to $200 annually in Uber credits for U.S. rides and automatic VIP status where available1. Platinum Card Members will also receive 5X Membership Rewards points on eligible hotels booked on amextravel.com2. This is in addition to the recently unveiled 5X Membership Rewards® points on airfare booked directly with airlines or American Express Travel3. Card Members will also get access to an expanded Global Lounge Collection℠4, a new Global Dining Collection5, more global events, enhanced mobile servicing options, and all of the other benefits that currently come with Platinum Card Membership.”

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Should You Transfer Citi ThankYou Points To JetBlue With A 50% Bonus?

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You can receive a 50% points bonus when you convert Citi ThankYou points into JetBlue TrueBlue points between March 2 and April 30, 2017. The promotion goes live tomorrow, and you should see the bonus hard coded into the transfer ratio at that point. JetBlue is one of Citi’s newest transfer partners, as the ability to convert points was just added back in October.

As far as the value of transferring ThankYou points to TrueBlue points goes, those with the Citi Prestige® Card and Citi ThankYou® Premier Card will receive 1.5 TrueBlue points per every 1.25 ThankYou points (you ordinarily receive 1 TrueBlue point per 1.25 ThankYou points). In other words, with the 50% bonus points convert at a rate of 1.2 TrueBlue points per ThankYou point.

In October I wrote about how converting ThankYou points into TrueBlue points isn’t a good deal. Does the math on that change with a 50% transfer bonus?

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Last Day For Two Great Citi American Card Sign-Up Bonuses

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Since early December, Citi has officially increased the sign-up bonuses on the American AAdvantage co-brand credit cards. I’m told that the increased offers will be pulled tomorrow, so if you’re interested you’ll want to apply within the next 24 hours. As a reminder, here’s what you need to know about these offers:

Between these two cards you can earn up to 100,000 AAdvantage bonus miles, which is pretty great. The details are as follows:

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Amex EveryDay Preferred Card Vs. Blue Cash Preferred Card — Which Is Better?

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Reader Hello asked the following question on a recent post:

“Would anyone have advice on how to decide between this card (AMEX EveryDay Preferred) and the AMEX Blue Cash Preferred?”

It’s a great question. The Amex EveryDay® Preferred Credit Card from American Express is one of the cards I most use for everyday spend, while the Blue Cash Preferred® Card from American Express has an increased sign-up bonus, and is one of Amex’s most compelling cashback cards.

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Review: Amex EveryDay Preferred Credit Card

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I’ve written about The Amex EveryDay® Preferred Credit Card from American Express in a broader context several times, though in this post I wanted to talk specifically about this card, since I think it’s one of the best cards out there for the average American consumer looking to earn points. I’m always surprised by how many readers don’t have this card.

Here’s what you need to know about this card:

The card has a $95 annual fee, which isn’t waived the first year.

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10 Best Credit Card Offers For February

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Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month.

While there are several excellent long standing credit card offers, the specifics of the best offers are constantly changing (be it the annual fee, minimum spend requirement, or even amount of the sign-up bonus).

If you read my blog on a daily basis then by all means skip this post, but for me it’s a useful, “current” place to refer people who ask about which cards they should sign-up for, a question I get on a daily basis.

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10% Cashback At Restaurants With New Amex Sign-Up Bonuses

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Amex has just announced increased sign-up bonuses on the Blue Cash Everyday® Card from American Express and Blue Cash Preferred® Card from American Express, which are two of their best personal cashback credit cards. These increased bonuses are valid through May 3, 2017, with the following details:

Blue Cash Everyday Card — no annual fee
— $100 cashback after you spend $1,000 in purchases within the first three months
— Up to $200 cashback when you apply by May 3, 2017, by getting 10% back at U.S. restaurants within the first six months

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Why Marriott Loyalists Should Apply For The SPG Amex

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Through April 5, 2017, there’s an increased sign-up bonus on both the Starwood Preferred Guest® Credit Card from American Express and Starwood Preferred Guest® Business Credit Card from American Express. Both cards are offering a sign-up bonus of up to 35,000 Starpoints upon completing minimum spend, with the $95 annual fee waived for the first year.

Over the years we’ve seen quite a few increased sign-up bonuses on the SPG Amex, though the bonus doesn’t get bigger than what’s being offered through this promotion. Furthermore, this year is a bit different than in the past, given that Marriott and Starwood have merged. Combined, the programs are estimated to have roughly 90 million members.

So there are a few reasons I think this offer may interest more people than ever before — especially Marriott Rewards loyalists:

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One Week Left: Up To 100K American Miles With 2 Credit Cards

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Since early December, Citi has officially increased the sign-up bonuses on the American AAdvantage co-brand credit cards. I’m told that the increased offers will be pulled around March 1, so if you’re interested you’ll want to apply within the next week or so.

Between these two cards you can earn up to 100,000 AAdvantage bonus miles, which is pretty great. The details are as follows:

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